The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$39,423
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,246/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,445
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,194/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$48,664
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,308
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,780
−HK$1,495/mo
Today · 4.125%
HK$50,275
baseline
▲ 0.50% · 4.625%
HK$53,334
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,550/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,630
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,041
−HK$1,432/mo
Today · 4.125%
HK$55,473
baseline
▲ 0.50% · 4.625%
HK$58,397
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,946/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,193
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,910
−HK$1,744/mo
Today · 4.125%
HK$58,654
baseline
▲ 0.50% · 4.625%
HK$62,223
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,308/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,402
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,048
−HK$1,671/mo
Today · 4.125%
HK$64,719
baseline
▲ 0.50% · 4.625%
HK$68,130
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,438/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,962
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,170
−HK$2,242/mo
Today · 4.125%
HK$75,412
baseline
▲ 0.50% · 4.625%
HK$80,001
+HK$4,589/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,824/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,945
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,062
−HK$2,148/mo
Today · 4.125%
HK$83,210
baseline
▲ 0.50% · 4.625%
HK$87,596
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,420/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,340 · Scale 2, in force from 26 Feb 2026)